Should You Buy Travel Insurance?

Please note that Allstate does not currently offer travel insurance.

While travel insurance can certainly come in handy if your trip is interrupted by unexpected events, it may also be unnecessary. Certain coverage that travel insurance companies offer may actually be duplicated by insurance you already have. Read on to find out which Allstate policies offer coverage that may overlap travel insurance.

Tourists explore an unknown territory

What Type of Coverage Will You Need?

Before purchasing travel insurance, step one is understanding what coverage you're likely to need. Will you be traveling overseas or leaving the United States? If so, do you have any health issues that would be expensive to treat out of your health insurance network or outside the country? Are you flying? Will your airline reimburse you if your flight's canceled due to weather? Driving for an extended period of time? What will you do if your car breaks down? Going on a cruise? What is the cruise line's policy on trip cancelation?

Think hard about your upcoming travels and create a list of the coverage options that make the most sense for your needs.

Determine If You're Already Covered

Now that you know what you need, take a look at what you already have.

  • If you have Allstate homeowners insurance with Personal Property Coverage or if you have renters insurance, your possessions are covered from theft and other covered losses anywhere you travel in the world.
  • More good news. If you have Allstate auto insurance, you're covered if you have an accident anywhere in the United States, its territories and possessions, and Canada. Coverage restrictions apply when traveling in Mexico, so contact your agent for more information.
  • If you're a member of an auto club, you may already be covered for certain road emergencies. Members of the Allstate Motor Club are eligible for 24-hour roadside assistance, arrest bond certificates, a trip interruption benefit, and more. As an added benefit, members enjoy significant discounts on flights, hotels, and car rentals.
  • Your personal health insurance plan may or may not cover you if you need to see a healthcare provider who is out of network. It's best to speak to your insurer to find out. If you're worried about gaps in your existing health insurance, you may want to consider supplemental health insurance.
  • If your travel insurance package has an option for accidental death and dismemberment, your life insurance plan may offer overlapping coverage.
  • Check to see if your credit card offers coverage similar to a travel insurance policy. Some cards will cover you in cases of lost luggage, illness, trip delays, and more.
If you decide you still need additional insurance, make sure you contact an established and reputable travel insurance company. And as always, it's best to talk to an agent if you have any questions about your existing Allstate policy.

Travel in Good Hands

Though we don't offer travel insurance, Allstate covers millions of people through our top-quality auto, home, and life insurance policies.

We also offer more than 30 different homeowners insurance and auto insurance discounts. For expert advice on protecting every facet of your life-and for help getting all the discounts you deserve, talk to an Allstate agent to find out how much you could be saving.

You can also get an easy no-obligation auto, home, or power sports insurance quote online or by calling us at1-800-ALLSTATE (1-800-255-7828) now.

Published: September 2011

Savings and coverage subject to terms, conditions and availability. Savings will vary. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2011 Allstate Insurance Company.

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